The realest guide to money ... and how to have more of it. Forever wrestling with annoying debt? Clueless about where your pay cheques go? Want to get ahead? Journalist, podcaster and reformed money mess Frances Cook is here for you. Tales from a Financial Hot Mess is the story of how Frances got her money sh*t sorted. She learned the hard way so you don't have to, and details how you can- Change your money mindset Set up a do-able budget Avoid being fooled by banks and retailers Understand investing (starting with what you have) Reduce your debt Save more Sort your KiwiSaver Make smart housing decisions (whether renting or buying) Fix a mortgage that works for you (with your coffee and smashed avocado) Negotiate a pay rise Simplify your life . . . and loads more This book is the real deal - not another bulleted, tabled, graphed lecture from a financial advisor who's never had issues with money. Delivering laughs and smarts, proven financial advice, handy how-tos (and please-don'ts) and numerous expert insights (from 22 actual experts), Tales from a Financial Hot Mess will guide you along the rocky path to financial freedom.